I was paying on my student loan through a 20 year program but before I reached the 20 years I became disabled. I was disabled for 5 years and went back to work. With the accumulated interest my loan looks like I never paid anything in previous years. I'm on a graduated payment plan. Is there any way that I can get that additional interest wiped out? Will I have to start a program all over and pay for 20 or 25 years?